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iAdvertiser Disclosure
Advertiser Disclosure
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 South Texas Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
South Texas Federal Credit Union's Personal Loan Rates are at 5.39%. MonitorBankRates evaluates the financial stability of South Texas Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.60%. Rates were last updated on 04/23/2026. South Texas Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at South Texas Federal Credit Union? Share your experience about South Texas Federal Credit Union by leaving a review below, or read customer reviews before you decide to use South Texas Federal Credit Union. South Texas Federal Credit Union
Main Office 2121 W Dove Ave
https://www.southtexasfcu.com McAllen, TX 78504 4064 
South Texas Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for South Texas Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather South Texas Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with South Texas Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
South Texas Federal Credit Union
Website
https://www.southtexasfcu.com
Address
2121 W Dove Ave,
McAllen, TX 78504 4064
Phone
956-618-7500
Fax
956-686-4823
President
Norma Saenz
CEO
Gerardo Paz
Full-Time Employees
13
Part-Time Employees
12
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.60%
Return on Assets (ROA)
0.4557%
Return on Equity (ROE)
5.1202%
Non-Performing Loans Ratio (NPL)
1.69%
Total Assets
66,777,267
Total Amount of Shares and Deposits
61,351,939
Total Shares and Deposits < 1 Year
61,093,069
Total Shares and Deposits 1 3 Years
34,450
Total Shares and Deposits > 3 Years
224,420
Total Insured Shares and Deposits > $250K (item 17 less item K)
61,351,939
Total Interest Expense (Sum of items 6 8)
78,023
Share Certificates
85
Number of Accounts for Share Drafts
4,482
IRA KEOGH Accounts
49
Number of Accounts for Regular Shares
6,234
All other shares
15
Money Market Shares
107
Net Income (unless the amount is already included in Undivided Earnings)
304,330
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,675,061
Total Liabilities
62,238,700
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About South Texas Federal Credit UnionIs South Texas Federal Credit Union a safe place to deposit money?Yes, South Texas Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.6036254981085%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does South Texas Federal Credit Union operate?South Texas Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join South Texas Federal Credit Union?Yes, to access services at South Texas Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, South Texas Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, South Texas Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does South Texas Federal Credit Union offer online and mobile banking?Most modern institutions like South Texas Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southtexasfcu.com. Compare to Other Credit Unions
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